Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
At Fundo, we understand the urgency that comes with needing small amount loans. If you’re looking to apply for a loan, how can you enhance your chances of getting approved?

For starters, it’s important to look into your financial health. This includes reviewing your credit score, clearing any outstanding debts, and ensuring your repayments for any credit or utility obligations are consistent. Generally, the healthier your creditscore, the greater your likelihood of being approved for a loan when you apply.

Next, consider your borrowing capacity. Your borrowing capacity is how much you can comfortably borrow and repay without putting yourself under financial stress.

This goes hand in hand with how we at Fundo offer Australian cash loans. We make sure to provide a transparent lending process, eliminating any confusion or fuss. We also look beyond your credit score when reviewing applications and take your current finances into consideration.

Finally, submitting an accurate and thorough loan application is essential. With Fundo, you have access to a straightforward online loan application, so you can take comfort in a process that’s simple and fuss-free.

At Fundo, we focus on promoting responsible lending and ensuring your financial well-being. Users cannot have more than one active loan at Fundo at a given time. You are welcome to apply for a new loan once you have repaid your current one.

Applying for multiple small amount loans can be a double-edged sword. While multiple loans may give you an initial sense of financial relief, they could also spiral into a cycle of debt that may become challenging to manage. We at Fundo recommend a more measured approach.

It’s best to first consider the potential effects of having multiple loans at a time. This may involve reviewing your income, expenses, and the number of your current loans, if you have any. You can lower the risk of taking on more debt than you can comfortably handle this way.

It’s always essential to remember: we want to help you make the ideal financial decisions, especially when it comes to a life-impacting decision like quick instant loans. This is also why Fundo offers short-term cash loan options that have flexible repayment options and no hidden fees.

When it comes to the typical repayment period for small amount loans, Fundo’s loan terms are as straightforward and flexible as they can get. You’ll be able to indicate your requested loan duration during your application so that you can choose a repayment plan that’s manageable for you.

At Fundo, we understand that life can throw curveballs at you. That’s why our approach is designed to provide flexible options that accommodate your financial situation and capacity. We’re all about offering easy personal loans online that are uncomplicated, free of jargon, and hassle-free.

A poor credit score shouldn’t keep you from being able to apply for loans when necessary. So, can individuals with a not-so-great credit history apply for small amount loanswith us? Absolutely, yes!

Our main goal at Fundo is to offer you a fair chance through easy loans. Rather than only focusing on your credit score, we also consider your ability to meet repayments on time.

The following criteria qualify you for a Fundo loan: you must be at least eighteen years old, an Australian citizen or tax-paying resident, and earn at least $1,000 per fortnight, including government benefits. You should also be able to meet repayment deadlines and not be at risk of financial problems when borrowing from us.

We also like to reward responsible borrowing behaviour through our Fundo Credit Score. This unique Fundo feature incentivises early or on-time repayments with cool perks, such as greater chances of being approved for your next Fundo loan. 

Fundo is all about giving you a chance to build a brighter future. We’re here for you every step of the way. Apply for a loan today!

Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
Minimum 91+ days to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5
4 Fees are based on loan principal advanced.
5 The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
¹As soon as you sign your contract and if all other requirements have been met, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.
We typically respond within 2 min or sooner.